The importance of credit can not be overstated. Your credit score determines both IF you will get a loan AND at what interest rate. Free credit reports are available (see graphic) from each credit bureau once per year. These will not show your credit score but they will show you who is reporting you are late in paying or has charged off your loan. Contact each creditor and clear up the matter with them.
To get your credit score, you can either go to myFICO.com and pay for each report or talk to a lender such as myself. If you have a credit card, you may have a credit score service included. This will only provide one score, not all three. The single score can be a starting point if you are trying to get an idea of where you stand. See 5 ways to rebuild your credit score if your score is low. Eventually, you will need all three to really understand your credit picture.
Regardless of how accurate you try to be in determining your credit, when you apply for a loan the lender will run your credit for all of the three major credit bureaus. It will be the score that falls between the high and the low score that will be used for your loan.
The importance of credit is such that it will have consequences for many years to come. Mortgage loans typically range from 15 to 30 years. Take care of your credit score and it will take care of you.
If you want to discuss your situation and alternatives for people with low scores or recent credit issues such as bankruptcy, contact me at 760 622 5087 or firstname.lastname@example.org. All inquiries will be kept confidential. I am here to help you get the best possible home loan for you.